The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,127
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,785
−HK$667/mo
Today · 4.125%
HK$22,452
baseline
▲ 0.50% · 4.625%
HK$23,819
+HK$1,367/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,904/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,504
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,134
−HK$640/mo
Today · 4.125%
HK$24,774
baseline
▲ 0.50% · 4.625%
HK$26,080
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,548/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,353
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,142
−HK$801/mo
Today · 4.125%
HK$26,943
baseline
▲ 0.50% · 4.625%
HK$28,582
+HK$1,639/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,886/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,205
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,961
−HK$768/mo
Today · 4.125%
HK$29,729
baseline
▲ 0.50% · 4.625%
HK$31,296
+HK$1,567/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,458/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,578
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,498
−HK$935/mo
Today · 4.125%
HK$31,433
baseline
▲ 0.50% · 4.625%
HK$33,346
+HK$1,913/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,866/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,906
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,788
−HK$896/mo
Today · 4.125%
HK$34,684
baseline
▲ 0.50% · 4.625%
HK$36,512
+HK$1,828/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,368/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,029
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,212
−HK$1,202/mo
Today · 4.125%
HK$40,414
baseline
▲ 0.50% · 4.625%
HK$42,873
+HK$2,459/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,828/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,307
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,442
−HK$1,151/mo
Today · 4.125%
HK$44,593
baseline
▲ 0.50% · 4.625%
HK$46,944
+HK$2,351/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,186/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,539 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).